Interactive calculators for pressure-testing your own scenarios.
Substantive tools, not lead-capture forms. Each tool gives you a real number or a real assessment based on what you enter — no email required, no follow-up unless you request it. Use them to inform your own thinking, or bring the results into a consultation.
Buy-Sell Funding Calculator
How much life insurance funds a buy-sell agreement — and exactly which owner insures whom? Sizes the need across cross-purchase, entity-redemption, and one-way structures, builds the cross-purchase policy grid, and flags the estate-tax exposure entity redemptions carry after the Supreme Court's Connelly decision.
Key-Person Insurance Needs Calculator
How much coverage should a business carry on an essential owner or employee? Runs three established methods — multiple of compensation, contribution to earnings, and cost to replace — side by side, and shows the defensible range.
SBA Loan Life Insurance Calculator
Does your SBA loan require life insurance, how much, and what minimum term? Runs the actual SOP 50 10 two-test methodology and writes the result in credit-memo language.
Estate-Tax Liquidity Calculator
If an estate owes federal tax, will it have the cash to pay — or would the business or property have to be sold? Estimates the tax and, more usefully, the liquidity shortfall that life insurance in an ILIT is built to fill.
Life Insurance Needs Calculator
Estimate the coverage amount that matches your specific income, debt, and dependent situation. Income-replacement methodology.
Disability Income Gap Calculator
For high earners: estimate the gap between what your employer's group LTD will actually pay and what your real income protection needs are.
Compare Life Insurance Types
Term, whole, universal, indexed universal, and variable universal life — see what your premium actually buys in each, side by side, and which fits your situation.
Is Indexed Universal Life Right for Me?
A self-assessment for high earners considering IUL. Identifies whether your situation genuinely fits the product — or whether it does not.
Is an Annuity Right for Me?
A self-assessment to help determine whether an annuity has a genuine role in your retirement income plan, or whether other options serve better.
Long-Term Care Cost Estimator
Estimate the potential cost of long-term care based on your age, location, and care preferences. Useful for thinking about how the risk should be addressed.
Interactive educational explorers.
Deeper, visual tools for understanding how these products actually behave — not self-assessments, but explorers. They run entirely in your browser, collect nothing, and ask nothing about you: set the parameters and watch the mechanics.
IUL Mechanics
See how indexed universal life crediting — caps, floors, and participation rates — turns real index history into credited returns, and how the policy behaves over time.
Annuity Mechanics
See why an income rider's “guaranteed” roll-up is not a return, how tax deferral actually helps and where its limits are, and how a guaranteed-income floor is sized to real expenses.
Want to discuss your results?
The tools are educational; the consultation is where the work actually gets done. A first conversation is at no cost.
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